Highbeam provides banking for consumer brands.
Highbeam is business banking built for ecommerce brands, with no wire, ACH, or monthly fees plus up to 2% cashback on ad spend. Ai agents handle bookkeeping categorization and sweep cash between operating and high-yield accounts. Best fit for Shopify brands running real paid spend on Meta, Google, or TikTok and tired of traditional bank fees eating supplier payments.
What Highbeam does for Shopify brands
- No wire, ACH, or monthly maintenance fees on supplier payments & transfers
- Up to 2% cashback on Meta, Google & TikTok ad spend lowers effective cost per order
- Bookkeeping ai categorizes transactions at 95%+ accuracy, cuts manual finance hours
- Treasury agent auto-sweeps cash between operating & high-yield accounts
Overview
Highbeam is a financial technology platform that provides business banking, capital, cards, bill pay and AI-based finance tools for consumer and ecommerce brands. It gives brands one place to hold cash, pay vendors, borrow against sales and see spending in real time. Banking services are provided by Thread Bank, Member FDIC.
For Shopify brands
- Holds checking and savings, cards, bill pay and a revolving line of credit in one account, so the team manages cash in one place.
- Offers a revolving line of credit with credit limits that start at roughly 15 days of ecommerce payout revenue, with no personal guarantee required.
- Connects to ecommerce platform integrations and a dashboard that show spend and cash flow in real time.
How it works
A brand applies online with owner identification, its Employer Identification Number, business details and registration documents. Opening an account does not require a hard credit pull, and Highbeam asks for approval before any credit check when a credit product is activated.
- Built for
- Ecommerce and omni-channel brands based in the U.S.; the typical brand using Highbeam makes over $5M in annual sales.
- Pricing
- No monthly or annual fees, no minimum account balance, and no ACH, domestic wire or overdraft fees. International USD transfers carry a flat $20 fee, and Highbeam Capital charges a flat interest rate stated as APR.
Products
- Banking Checking and savings accounts with ACH, domestic and international wire transfers, held through Thread Bank.
- Capital Revolving line of credit, cash advance or custom financing at a flat, stated APR.
- Card Virtual and physical Visa debit cards with cash back or extended repayment terms.
- Bill Pay Integrated bill pay for paying vendors and automating manual payment tasks.
- Luma AI-powered finance agents for scenario planning, treasury, bookkeeping and reporting.
- Ad Spend Manager Tool for managing ad spend, listed among Highbeam's products.
Integrations
Buyer notes
- Open to U.S. companies only; the online application can be completed from outside the United States.
- Deposits qualify for up to $3,500,000 in FDIC insurance through the Thread Bank deposit sweep program.
- Highbeam Capital does not require a personal guarantee or a hard credit pull to open an account.
- International card transactions incur a 1% Visa fee.
From Highbeam's own site and Shopify App Store listings, as of 2026-10-30.
How much does Highbeam cost?
No monthly or annual fees, no minimum account balance, and no ACH, domestic wire or overdraft fees. International USD transfers carry a flat $20 fee, and Highbeam Capital charges a flat interest rate stated as APR.